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PNC Cash Rewards® Visa® Credit Card
PNC

PNC Cash Rewards® Visa® Credit Card

A no-annual-fee cash back card from PNC.

Cash back only
Annual fee
No annual fee
Welcome bonus
$200 cash back
Min spend
$1,000 in the first 3 billing cycles
Recommended credit
Good (670+)
Network
Visa
Apply on PNC site8.1/10Our rating · review ›

Rates, fees, and full terms are set by PNC and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on gas, dining, and groceries.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

4% cash back on gas
3% cash back on dining
2% cash back at grocery stores
1% cash back on everything else

Best ways to earn & redeem

Put your gas, dining, and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its gas rate is among the stronger ones you will find in that category.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee

Alternatives to the PNC Cash Rewards® Visa® Credit Card

Pairs well with

The PNC Cash Rewards® Visa® Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the PNC Cash Rewards® Visa® Credit Card lands.

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